The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$34,549
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,624
−HK$1,092/mo
Today · 4.125%
HK$36,716
baseline
▲ 0.50% · 4.625%
HK$38,950
+HK$2,234/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,432/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,435
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,466
−HK$1,046/mo
Today · 4.125%
HK$40,512
baseline
▲ 0.50% · 4.625%
HK$42,647
+HK$2,135/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,024/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,459
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,748
−HK$1,311/mo
Today · 4.125%
HK$44,059
baseline
▲ 0.50% · 4.625%
HK$46,739
+HK$2,680/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,118/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,123
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,359
−HK$1,255/mo
Today · 4.125%
HK$48,614
baseline
▲ 0.50% · 4.625%
HK$51,177
+HK$2,563/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,228/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,369
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,873
−HK$1,529/mo
Today · 4.125%
HK$51,402
baseline
▲ 0.50% · 4.625%
HK$54,529
+HK$3,127/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,804/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,810
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,253
−HK$1,464/mo
Today · 4.125%
HK$56,717
baseline
▲ 0.50% · 4.625%
HK$59,706
+HK$2,989/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,434/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,188
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,123
−HK$1,965/mo
Today · 4.125%
HK$66,088
baseline
▲ 0.50% · 4.625%
HK$70,109
+HK$4,021/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,176/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,184
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,039
−HK$1,883/mo
Today · 4.125%
HK$72,922
baseline
▲ 0.50% · 4.625%
HK$76,765
+HK$3,843/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,844/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,177 · Scale 2, in force from 26 Feb 2026)